| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 | 2839 PACES FERRY ROAD SE STE 830 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | — | $39K | $39K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | ANTHEM LIFE INSURANCE COMPANY | $23K | — | $23K | 4.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 400 GALLERIA PKWY SE STE 300 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 0.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORPORATION | PO BOX 62819 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | $5K | $39K | 11.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $6K | $35K | 12.46% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFIT SERVICES,INC. DBA E3 | 215 HOGAN WAY LEXINGTON, SC 29072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 12.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $413 | $7K | 2.64% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 401 S MOUNT JULIET STE 235 MT JULIET, TN 37076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.72% |
| ROBERT O FLOYD JR.3 Filed as: ROBERT O FLOYD, JR. | PO BOX 309 LENOIR, NC 28645 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $221 | — | $221 | 0.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $6K | $32K | 12.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $26K | 17.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | AMERITAS LIFE INSURANCE CORP. | $16K | $2K | $18K | 16.94% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFIT SERVICES,INC. DBA E3 | 215 HOGAN WAY LEXINGTON, SC 29072 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 20.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES,LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $351 | $4K | 4.65% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 401 S MOUNT JULIET STE 235 MT JULIET, TN 37076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.37% |
| ROBERT O FLOYD JR.3 Filed as: ROBERT O FLOYD,JR. | PO BOX 309 LENOIR, NC 28645 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $545 | — | $545 | 0.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 NONE | Contract Administrator Service code 13 | 165 KIMEL PARK DRIVE WINSTON-SALEM, NC 27103 | $287K |
| THE FLOYD GROUP EIN 56-1182985 NONE | Insurance agents and brokers Service code 22 | PO BOX 309 LENOIR, NC 28645 | $21K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 805 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,215 | $273K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 655 | $345K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,320 | $104K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 805 | $488K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,215 | $808K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 805 | $252K |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE COMPANY | 752 | $554K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,215 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.